@Cheryla18 wrote:
@Anonymous wrote:
I have a Federal tax lien on record. Because of the recent changes, both EX and EQ removed it from my reports, but I filed a dispute with TU and they said it was going to remain. So I filed a complaint with CFPB and just got an email last night saying TU had responded to my complaint. So I logged in and sure enough, TU says they have again reviewed my information and decided they will remove it from my credit report and are going to send me an updated copy of my report in a few days. Yay!
I still have a lot of collections (mostly medical and old utility bills that got shut off when I couldn't pay them a few years ago). But this is definitely huge!
Awesome I need to do this myself for a State Tax lien. Do I start with a simple dispute? If so what reason do i put down for the Dispute?
Cheryl
Start by checking the intial lien filing to see if it has your date of birth and your FULL social security number. If it doesn't have your DOB and it's only showing the last four digits or is entirely blacked out like mine was, it falls under the new guidelines. It was supposed to happen automagically via internal review at the credit agencies, but lots of us - myself included - had to poke one or more of the credit agencies with the CFPB (consumer finance dot gov) to get them to comply. (I'd start with the agencies themselves before breaking out the big guns, personally.) Anyway, if you need to go the CFPB route, click the button to file a complaint, select which agencies haven't complied with the new rule, explain that you want the lien released because it doesn't meet the new reporting guidelines, and attach a scan of the court filing as proof. Then wait. And wait. And wait some more for Equifax because they're jerks.
